Turnover
≈ €100,000 estimated
The micro format states no turnover.
LECOMTE STEF
Overview
Lifetime
1 annual account with figurespeak €35,100 (2025)
€35,100
peak €24,616 (2025)
€24,616
peak €25,616 (2025)
€25,616
€13,964
Board1 name since 2025
1 directorLecomte Stef
Documentsfilings and deeds
30-06-202631 days before the deadline
2025micro format
Incorporation 31-071 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 73% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2026: < 0.1%lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026highest value
11-2026: < 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.83, cash €28,165
Equity €25,616 (64.7% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 60% of them on solvency, 76% on liquidity and 84% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as LECOMTE STEF has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of LECOMTE STEF itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for LECOMTE STEF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.83, above the usual 1.5. Short-term debt is 35.3% and cash 71.2% of total assets. 35.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1025980480
Incorporation
Appointment: Lecomte Stef (director) · Founder: Lecomte Stef · published on 31-07-2025 · Gazette deed
First establishment
Dorpsplaats 10, Koksijde
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LECOMTE STEF Koksijde | €39,579 | €35,100 | 64.7% | - |
| Maludek Jabbeke | €44,531 | €36,372 | 67.8% | - |
| Nova V Ingelmunster | €35,378 | €29,611 | 61.1% | - |
| RENOFELICE Wevelgem | €42,632 | €28,831 | 66.6% | - |
| Bavo Koen Roeselare | €33,707 | €34,121 | 86.3% | - |
| P-SG Hooglede | €40,909 | €31,331 | 54.0% | - |
| Toratio Woluwe-Saint-Pierre | €38,031 | €35,205 | 80.8% | - |
These companies have the same main activity as LECOMTE STEF: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €33,700 and €44,500, founded in 2025.
Official details
Source: KBO- Status
- Active since 29-07-2025Normal situation
- Activity
- Business and other management consultancyNACE 70200and 2 others
- Establishment unit
- 2.376.791.2958670 Koksijde, since 29-07-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 26-08-2025
Annual accounts 2025
- €35,100
- €24,616
- €25,616
- €39,579
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on LECOMTE STEF
LECOMTE STEF has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,616 and a net result of €24,616.
Its solvency ranks better than 59% of 39,376 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-06-2026, 31 days before the deadline€35,100
€30,906
€24,616
€25,616
64.7%
2.83
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €100,000. Estimated: probably between €61,000 and €140,000.
Balance sheet
balance sheet total €39,579 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
64.7%
Higher than 59% of 39,376 companies in 2025.
2.83
Higher than 61% of 38,058 companies in 2025.
62.2%
Higher than 92% of 38,530 companies in 2025.
LECOMTE STEF
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
39,579 | |
29/58 |
39,579 | |
40/41 |
11,084 | |
40 |
11,084 | |
54/58 |
28,165 | |
490/1 |
331 | |
| Balance sheet: equity and liabilities | ||
10/49 |
39,579 | |
10/15 |
25,616 | |
10/11 |
1,000 | |
13 |
24,000 | |
133 |
24,000 | |
14 |
616 | |
17/49 |
13,964 | |
42/48 |
13,964 | |
44 |
3,335 | |
440/4 |
3,335 | |
45 |
9,428 | |
450/3 |
7,428 | |
454/9 |
2,000 | |
47/48 |
1,200 | |
| Income statement | ||
9900 |
35,100 | |
62 |
463 | |
630 |
3,682 | |
640/8 |
50 | |
9901 |
30,906 | |
65/66B |
6 | |
65 |
6 | |
9903 |
30,900 | |
67/77 |
6,284 | |
9904 |
24,616 | |
9905 |
24,616 | |
| Appropriation of the result | ||
9906 |
24,616 | |
691/2 |
24,000 | |
6921 |
24,000 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-06-2026 | 2026-00268407 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 34,587 | ||
| 28,297 | ||
| 0 | ||
| 25,616 | ||
| 64.7% | ||
| 2.83 | ||
| 0.55 | ||
| 96.1% | ||
| 62.2% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Financial fixed assets | €0 |
| €3,682 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on LECOMTE STEF
Debt's share of the balance-sheet total is 35.3%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 31-07-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 30-06-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 31-07-2025
Mandates through the years
1 name, the dashed line is todayLecomte Stef
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Lecomte Stef
- Director (not named in the articles), appointed by deed of 31-07-2025, still in office
Control
Founder
Lecomte Stef
This company
LECOMTE STEF
Equity €25,616
Profit €24,616 in 2025
Capital
- Contribution
- €1,000
- Source
- 2025 annual accounts
Articles of association
deed of 31-07-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Kiest onder haar leden een voorzitter, stem van de voorzitter is doorslaggevend bij staking van stemmen”“Bestuursorgaan bepaalt of zij alleen dan wel gezamenlijk optreden, dagelijks bestuur”
- Profit allocationThe articles set how profit is distributed. A BV may only pay out after a balance-sheet and liquidity test.
- “Unanimiteit van stemmen, gelijk aandeel in winstverdeling per aandeel”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Saturday of June at 10:00
Founder
At incorporation
deed of 31-07-2025 ↗
- Lecomte Stef sole founder · 100% at incorporation
Network & group
No group
LECOMTE STEF has no parent and no holdings in its annual accounts. Lecomte Stef is the only director. LECOMTE STEF shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 31 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1025980480
IncorporationAppointment: Lecomte Stef (director) · Founder: Lecomte Stef · published on 31-07-20252 points ▸
- Founder, Lecomte Stef
- Director appointment, Lecomte Stef (director (not named in the articles))
- The deed holds 1 more point.
First establishment Dorpsplaats 10, Koksijde
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1025.980.480
- VAT number
- BE 1025.980.480
- Peppol ID
- 0208:1025980480
- Other Peppol ID
- 9925:BE1025980480
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-07-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Saturday of June at 10:00deed of 31-07-2025 (in Dutch)
- Voting ruleThe articles set which majority the meeting decides by, for example a simple or a special majority.
- “Wettelijke en statutaire bepalingen betreffende aandelen zonder stemrecht, elke aandeelhouder kan schriftelijke volmacht geven aan iedere…”deed of 31-07-2025 (in Dutch)
- Peppol
- Reachable since 26-08-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- LECOMTE STEF in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 31-07-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Dorpsplaats 10, 8670 Koksijde (Wulpen)”deed of 31-07-2025 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verrichten van nationaal en internationaal goederenvervoer voor eigen rekening over de weg; Het verrichten van nationaal en…”deed of 31-07-2025 (in Dutch)
28 activities
- Het verrichten van nationaal en internationaal goederenvervoer voor eigen rekening over de weg
- Het verrichten van nationaal en internationaal goederenvervoer voor derden over de weg
- Het verrichten van alle activiteiten van vervoersmakelaars en vervoerscommissionairs, die contracten voor het vervoer van goederen afsluiten in eigen naam maar het vervoer zelf door derden laten uitvoeren
- Het verrichten van alle activiteiten m.b.t. de bevrachting van transportbedrijven en –middelen
- Het groeperen van vracht; het toevertrouwen van vracht aan derden; het verrichten van activiteiten in verband met de organisatie van het vrachtvervoer
- Het verzamelen, vervoeren en afleveren van brieven, pakketpost en pakjes en alle overige goederen
- Het tussentijds opslaan, laden, overladen en lossen van goederen
- Het reinigen van alle voertuigen en rollend materieel, met de hand of gebruikmakend van toestellen of installaties
- Het verrichten van magazijnbeheer, met inbegrip van alle logistieke activiteiten, en het opslaan en met het oog op het transport behandelen van alle goederen
- Het ontwikkelen en verrichten van diensten en activiteiten op het gebied van logistiek en transport
- Het ophalen, inzamelen, vervoeren, opslaan, bewerken en behandelen van producten en goederen
- De aan- en verkoop, de in- en uitvoer, de handel in het groot als in het klein, de productie en verdeling, het in huur nemen en verhuren, de herstelling, het onderhoud, de installatie en de uitbating van alle toestellen, uitrusting en toebehoren en zowel consumptie - als investeringsgoederen eigen aan de transportsector
- Het optreden als vertegenwoordiger, commissionair of tussenpersoon bij de aan- en verkoop, de in- en uitvoer, de handel in het groot als in het klein, de productie en verdeling, het in huur nemen en verhuren, de herstelling, het onderhoud, de installatie en de uitbating van alle toestellen, uitrusting, toebehoren en zowel consumptie - als investeringsgoederen
- Optreden als tussenpersoon en voeren van commissiehandel
- Optreden als zelfstandig vertegenwoordiger
- Het voeren van de activiteiten van drankenhandel
- Het bijdragen tot de vestiging en de ontwikkeling van ondernemingen
- Het optreden als tussenpersoon bij onderhandelingen door gehele of gedeeltelijke overname van aandelen
- Het optreden als zaakvoerder, bestuurder en/of vereffenaar van vennootschappen; het uitoefenen van de functie van bestuurder, manager, zaakvoerder, vereffenaar, gevolmachtigde en/of vertegenwoordiger in en/of van vennootschappen en verenigingen
- Het beheer van ondernemingen, groeperingen en verenigingen
- Het nemen van belangen, hetzij door deelneming, inbreng, overname of elke andere wijze in alle vennootschappen, ondernemingen, syndicaten of groeperingen, bestaande of op te richten zowel in België als in het buitenland
- Algemene ddministratieve dienstverlening en bijstand
- De aankoop, verkoop en ruiling, het beheer en de valorisatie van haar eigen roerend patrimonium, bestaande uit onder meer waardepapieren, aandelen, obligaties, staatsfondsen en van alle roerende goederen en rechten, inbegrepen handelszaken
- Het verwerven en beheren van participaties, in eender welke vorm, in alle bestaande of op te richten vennootschappen, ondernemingen, economische samenwerkingsverbanden, beroepsverenigingen of groeperingen, evenals het verlenen van alle managementbijstand en het uitoefenen van alle bestuursmandaten, volmachtdrager, mandataris of vereffenaar en het ter beschikking stellen van personen gespecialiseerd in het adviseren en/of besturen van ondernemingen, dit alles in de meest ruime zin
- Het stimuleren, de planning en coördinatie van de ontwikkeling van vennootschappen en ondernemingen; het deelnemen aan het beheer, bestuur en toezicht van alsmede het verlenen van technische, administratieve en financiële bijstand aan vennootschappen en ondernemingen waarin zij rechtstreeks of onrechtstreeks enig belang heeft
- In het raam van haar thesauriebeheer, het rechtstreeks uitvoeren of door toedoen van vestigingen in België of in het buitenland van trading- en deviezenoperaties en de tussenkomst in de emissie en plaatsing van aandelen, obligaties en allerhande effecten
- Alle verbintenissen van borgtocht, aval of van eender welke garanties; het verstrekken van leningen, voorschotten of borgstellingen. De vennootschap mag ten voordele van derden tevens waarborgen toestaan, alle roerende waarden verpanden en alle onroerende goederen met hypotheek bezwaren
- Alle burgerlijke, industriële, commerciële, financiële, roerende en onroerende handelingen mogen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp, die van aard zijn de verwezenlijking ervan te vergemakkelijken of uit te breiden, en die daartoe noodzakelijk, nuttig of zelfs alleen maar bevorderend zijn
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Dorpsplaats 10 registered office 8670 Koksijde 4619001 Agents in non-specialised wholesale trade | 29-07-2025 | 2.376.791.295 |
Buildings and parcels at the address
- Ground area
- 675 m²
- Buildings
- 183 m²
- Volume, LiDAR
- 811 m³
- Tallest building
- 9.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 38027B0328/00H000 | 675 m² | 1 · 183 m² | 9.6 m · 1 |